DEATH BY MOSQUITO BITE, NOT AN ACCIDENT

In a recent ruling, THE CALCUTTA HIGH COURT upheld an INSURANCE COMPANY’s decision to reject a claim for the death of an individual due to a mosquito bite. The court stated that the cause of death could not be considered an accident since it was not solely and directly caused by an external, violent, and visible means. The court emphasised that the insurance policy clearly excluded death caused by a disease and defined accidents as events that startle and involve violence. While expressing sympathy for the petitioner’s loss, the court concluded that the insurance company’s refusal to admit liability was neither arbitrary nor unreasonable. The court dismissed the petition and upheld the insurance company’s letter denying the claim.